Sage Home Loans 15 Year Fixed
NMLS #3304 | State Lic: RM.850026.000
- RateRate as of 10/1/26
- 5.998%
- APRAPR
- 6.337%
- Monthly paymentMonthly payment
- $2,970
- Points
- 1.71
- Upfront costs
- $7,513
- 8-year cost
- $143,951
- Customer score
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Showing results for: Single-family home, 30 year fixed and 15 year fixed mortgages with all points options.
For live offers, represented by the solid button on each, we earn a fixed fee if you connect with the lender.
Lender
Rate as of 10/1/26
APR
Monthly payment
Customer score
Reliant Home Funding 15 Year Fixed
NMLS #292473
- RateRate as of 10/1/26
- 6.000%
- APRAPR
- 6.406%
- Monthly paymentMonthly payment
- $2,970
- Points
- 1.987
- Upfront costs
- $8,989
- 8-year cost
- $145,477
- Customer score
Bison State Bank 15 Year Fixed
NMLS #757416
- RateRate as of 10/1/26
- 6.000%
- APRAPR
- 6.439%
- Monthly paymentMonthly payment
- $2,971
- Points
- 1.818
- Upfront costs
- $9,689
- 8-year cost
- $146,176
- Customer score
Tomo Mortgage 15 Year Fixed
NMLS #2059741 | State Lic: RM.804811.000
- RateRate as of 10/1/26
- 6.125%
- APRAPR
- 6.486%
- Monthly paymentMonthly payment
- $3,002
- Points
- 1.634
- Upfront costs
- $7,451
- 8-year cost
- $146,648
- Customer score
First Federal Bank 15 Year Fixed
NMLS #408902
- RateRate as of 10/1/26
- 6.125%
- APRAPR
- 6.449%
- Monthly paymentMonthly payment
- $2,995
- Points
- 1.695
- Upfront costs
- $7,161
- 8-year cost
- $146,728
- Customer score
Mutual of Omaha Mortgage 15 Year Fixed
NMLS #1025894
- RateRate as of 10/1/26
- 6.125%
- APRAPR
- 6.483%
- Monthly paymentMonthly payment
- $2,994
- Points
- 1.608
- Upfront costs
- $7,898
- 8-year cost
- $147,465
- Customer score
Optimum First Mortgage 15 Year Fixed
NMLS #240415 | State Lic: RM.804405.000
- RateRate as of 10/1/26
- 6.123%
- APRAPR
- 6.499%
- Monthly paymentMonthly payment
- $2,994
- Points
- 1.793
- Upfront costs
- $8,306
- 8-year cost
- $147,824
- Customer score
The Central Trust Bank 15 Year Fixed
NMLS #407985
- RateRate as of 10/1/26
- 6.125%
- APRAPR
- 6.509%
- Monthly paymentMonthly payment
- $2,995
- Points
- 1.839
- Upfront costs
- $8,463
- 8-year cost
- $148,030
- Customer score
Third Federal Savings and Loan 15 Year Fixed
NMLS #449401
- RateRate as of 10/1/26
- 6.190%
- APRAPR
- 6.573%
- Monthly paymentMonthly payment
- $3,007
- Points
- 2
- Upfront costs
- $8,435
- 8-year cost
- $149,607
- Customer score
Alliant Credit Union 15 Year Fixed
NMLS #197185
- RateRate as of 10/1/26
- 6.250%
- APRAPR
- 6.568%
- Monthly paymentMonthly payment
- $3,018
- Points
- 1.721
- Upfront costs
- $7,008
- 8-year cost
- $149,663
- Customer score
Tomo Mortgage 30 Year Fixed
NMLS #2059741 | State Lic: RM.804811.000
- RateRate as of 10/1/26
- 6.750%
- APRAPR
- 6.891%
- Monthly paymentMonthly payment
- $2,290
- Points
- 0.778
- Upfront costs
- $4,438
- 8-year cost
- $184,805
- Customer score
Sage Home Loans 30 Year Fixed
NMLS #3304 | State Lic: RM.850026.000
- RateRate as of 10/1/26
- 6.623%
- APRAPR
- 6.838%
- Monthly paymentMonthly payment
- $2,253
- Points
- 1.759
- Upfront costs
- $7,686
- 8-year cost
- $184,825
- Customer score
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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.
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Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.
Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.
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During 2025, Bankrate’s top offer outperformed 99.75% of offers by 300+ banks and credit unions – surveyed weekly.
Based on an 8-year cost of loan calculation (including interest payments, lender fees and points). Comparison of Bankrate's best quoted offer clicked by a user each day in 2025 for a 30-year fixed purchase, $310k-$330k loan with 20% down, 700-780 FICO, primary residence, single family) against rates from all institutions surveyed by Bankrate for similar loan each applicable day (assuming $320k loan, 740 FICO).Bankrate is not a lender. Learn more about our methodology.
During 2025, Bankrate’s average rate saved its consumers $73,397 on their expected 30-year mortgage cost.
Savings based on a modeled comparison of Bankrate’s monthly average clicked-on rate in 2025 for purchases and refinances and Freddie Mac’s average published mortgage rate, with savings calculated over a 30-year term using Bankrate’s average loan amount. Freddie Mac’s survey criteria differ from Bankrate data, and fees and points are excluded for both. Not actual realized consumer savings; actual savings vary based on loan terms, rates, costs, and how long the loan is held. Bankrate is not a lender. Learn more about our methodology.